Are you interested in buying a home in Delaware? Are you a first-time or repeat buyer?
Enter your email below to receive information and updates about DSHA mortgage programs
that offer down payment assistance, federal tax credits and competitive low-rate mortgage
loans. We may share your information with participating lenders that offer DSHA mortgage products.

Our Homeownership Program provides first mortgage financing at below-market interest rates to qualified homebuyers.
This program is operated statewide.
The Homebuyer's Information Guidebook
is a great way to learn about the steps involved in buying a home.

The Delaware First-Time Homebuyer Tax Credit is a federal income tax credit designed to help make homeownership more
affordable to qualified homebuyers. Homebuyers who elect to use the federal tax credit are eligible to claim a
portion of the annual interest paid on their mortgage as a special tax credit.

This program helps local jurisdictions purchase foreclosed or abandoned homes and rehabilitate, resell or
redevelop these homes in order to stabilize neighborhoods and stem the decline of house values of neighboring homes.
The homes are then sold to low- to moderate-income homebuyers. This program is operated statewide.

Downpayment & Closing Cost Assistance

The Second Mortgage Assistance Loan (SMAL) assists income qualified borrowers in the purchase of their own home
by providing downpayment and closing cost assistance in the form of second mortgages. SMAL must be used in conjunction
with DSHA's Homeownership Loan.HUD-Approved Housing Counseling Agencies
can help you get started on your home purchase. Contact one today!

The Advantage 4 grant program assists qualified borrowers in the purchase of their own home by providing down
payment and closing costs assistance in the form of a grant equal to four percent (4%) of the first mortgage
loan amount. Advantage 4 is only available from DSHA.

DSHA administers the Community Development Block Grant (CDBG) program, which offers
assistance to low- and moderate-income homeowners in Kent and Sussex Counties who need
home repairs or handicapped-accessible features.

This program provides grant funding for a variety of major activities including housing rehabilitation or demolition;
housing-related public works such as sidewalks, water and sewer systems, and streets that benefit low- and moderate-income
persons in Kent and Sussex Counties. Want to apply?
Contact your County today!

Foreclosure Prevention Programs

Late on your mortgage? Struggling to keep up with the payments? Facing foreclosure? We may be able to help!

DEMAP is designed to assist Delawareans who are 90 days or more delinquent on their mortgage payments. Reasons
for hardship are limited to unemployment or reduction in hours as a result of the down turn in the economy, illness, or injury.
DSHA brings the mortgage current with a lump sum payment and makes additional payments for up to 24 months total
that allows the borrower to stabilize their financial position. This program is operated statewide.
For more information on foreclosure in Delaware, also visit
DelawareHomeownerRelief.com/.

MHAP is designed to assist Delawareans who are 90 days or more delinquent on their home loan and/or
lot rent payments for their manufactured homes. Reasons for hardship are limited to unemployment or
reduction in hours as a result of the down turn in the economy, illness, or injury. DSHA brings the
mortgage current with a lump sum payment and makes additional payments for up to 12 months total
that allows the borrower to stabilize their financial position.

The Wilmington Senior Tax Assistance Program is designed to assist homeowners in Wilmington who
are 62 or older and facing imminent foreclosure due to delinquent property taxes, or sewer and water
bills. The maximum grant amount available under this program is $3,000. This program is available in
the City of Wilmington.Watch us on WINT.